About Payfinia Payfinia is a SaaS payment hub powering community banks and credit unions across the United States. Our flagship product, IPX (Instant Payment Exchange) , enables real-time payment processing across major payment rails including FedNow and RTP . We build secure, scalable, cloud-native financial infrastructure that empowers smaller financial institutions to compete at the highest level.
In addition to our core offering, we partner with third-party digital providers to integrate instant payments with traditional payment and money movement solutions. This not only extends the technology provider's capabilities but also strengthens the payments ecosystem for our member financial institutions.

We are looking for a motivated and hands-on Java Developer with 2–3 years of experience to join our product engineering team at the India Development Center in Bengaluru. You will work on Payfinia's core payment platform — IPX (Instant Payment Exchange) — which powers FedNow, RTP, ACH, and Wire payment rails for financial institutions across the United States. This role offers direct exposure to production-grade, real-time payment systems in an agile, fast-paced environment.

Design, develop, and maintain Java-based microservices for the IPX payment platform




integrate with payment rails and financial institution core systems
Work with MySQL, Redis, and IBM MQ as part of the payment processing pipeline
Write clean, testable code with strong unit test coverage; support incident triage and root cause analysis
Leverage AI-assisted development tools (Cursor, Claude Code) to improve productivity and code quality
Follow secure coding practices aligned with PCI-DSS and SOC2 requirements

2–3 years of Java development experience with solid OOP fundamentals

- Hands-on experience with Spring Boot and RESTful API development
- Working knowledge of SQL databases (MySQL)
- Strong problem-solving skills and ability to work in an agile sprint environment
- B.E. / B.Tech in Computer Science or related field
- Experience with message queues (IBM MQ, Kafka, or RabbitMQ)

Exposure to Docker / Kubernetes or cloud platforms (AWS preferred)
Familiarity with the payments domain — ACH, Wire, or real-time payment rails
Work on real-time payment systems used by financial institutions across the U.Learn from experienced engineers in an agile, collaborative environment
Gain hands-on experience with modern fintech product development
Grow your career in the payments and digital banking industry

📌 Software Java Engineer (Bengaluru)
🏢 Payfinia
📍 Bengaluru